Getting away from the Scylla and his brass daughters or whatever it was matter, something I’m trying to understand is the economic sense that not paying for contraceptives on insurance policies makes. It would seem to me that contraception IS a form of insurance.
A vaginal birth in a hospital with no complications can EASILY run more than $10,000. A C-section can EASILY cost twice that.
Even with a high co-pay, the simplest imaginable hospital birth would cost an insurance company and an employer more than providing her with contraception would cost for several years. Again, that’s with no complications, and also not including prenatal care.
Now, if the insuror (who of course is not paying this out of the kindness of their heart- they’re going to get their money back from the employer by raising premiums) had to pay for a woman’s contraception in its entirety, with no co-pay, brand name, and also by law had to pay for the Tic-Tacs and Dr. Scholls footpads and People magazine impulse buys the woman makes while checking out AND give the cashier a Hallmark card with a $100 bill inside (both paid for by the insurance company) every year on her birthday and again at Christmas, and the insurance company had to do this from the month the girl had her first period until a year after her last period, it could still conceivably (no pun intended) come out a lot cheaper than paying for a childbirth with complications, AND I’m not talking about “once in every three million births” and “so rare they wrote a book about it” complications but complications that happen often enough you probably know a woman on first name basis who had as bad or worse. $50,000 would cover everything in the grossly exaggerated scenario with thousands of dollars in change, yet wouldn’t cover a particularly complicated birth.
And the prenatal not accounted for earlier- let’s add that in. I don’t know exactly how much an insurance company would pay for them but I think somewhere in the four figures would be a conservative estimate for the course of a pregnancy and again that’s no complications. Once more, that’s more money than it would cost to pay for the contraception for years.
Suppose the child who, in spite of Obama’s best efforts, is born, and is healthy and hearty and sound and has an ideal childhood with hardly a sick day. Either the child will be added to his parents’ insurance policy or, depending on their income, will receive government funded healthcare: once again, if the child is healthy, he or she will cost more in a few years than the contraception would have cost.
Now suppose the child is healthy enough but, as happens (did with me, did with many families I know) gets sick at some point and requires hospitalization: nothing super serious or permanent in today’s age, but serious enough to require a few nights inpatient and some follow-up when released- there to, several thousand dollars. Or the child breaks his leg playing or crashes her bike and gets a concussion- happens every day, nothing permanent but costs insurance companies or the government more money than years of contraception would.
And then of course the Special Needs child: again, you could have paid for contraception from now until the Second Coming for less than the child will require in a year from either private or government healthcare plans.
None of which takes into account the fact that the mothers of these children DID NOT WANT TO CONCEIVE A CHILD AT THIS PARTICULAR POINT IN THEIR LIVES TO BEGIN WITH. To this add in the money that is spent by employers on maternity leave, the tax dollars that aren’t spent because the mother has to stop working for a period of time, the delays or derailment of her college or career, the inconvenience on her and her boyfriend or husband (it seems odd that people forget there are millions and millions and millions of married couples that practice birth control, unplanned pregnancies: they really isn’t just for brazen teen sluts anymore), and all of this so that…
And all of this so that the slim minority of people who don’t believe in birth control* will be happy. Which, incidentally, they still won’t be because they can’t impose their will on more people.
*Which is even a minority in the Catholic church- in addition to what the polls unanimously show on Catholic attitudes towards birth control today there’s the simple fact of 'why are families of 9 kids one hell of a lot rarer today than they were before birth control?" factor; presumably couples are no less fertile today than they were in the 1920s.